Data / Federal rules / 2024-25079
Required Rulemaking on Personal Financial Data Rights
The Consumer Financial Protection Bureau published this final rule in the Federal Register on November 18, 2024. It took effect on January 17, 2025.
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What the agency says
The Consumer Financial Protection Bureau (CFPB) is issuing a final rule to carry out the personal financial data rights established by the Consumer Financial Protection Act of 2010 (CFPA). The final rule requires banks, credit unions, and other financial service providers to make consumers' data available upon request to consumers and authorized third parties in a secure and reliable manner; defines obligations for third parties accessing consumers' data, including important privacy protections; and promotes fair, open, and inclusive industry standards.
Key facts
- Document number
- 2024-25079
- Type
- Final rule
- Action
- Final rule
- Agency
- Consumer Financial Protection Bureau
- Published
- November 18, 2024
- Takes effect
- January 17, 2025
- Dates
- This final rule is effective January 17, 2025.
- Docket
- Docket No. CFPB-2023-0052
- Regulation ID (RIN)
- 3170-AA78
- Code of Federal Regulations
- 12 CFR 1001; 12 CFR 1033
- Topics
- Banks, banking; Consumer protection; Credit; Credit unions; Electronic funds transfers; Privacy; Reporting and recordkeeping requirements; Savings associations; Voluntary standards
- Significant
- Yes, under Executive Order 12866
- Pages
- 161
Other documents from the Consumer Financial Protection Bureau
| Document | Type | Published |
|---|---|---|
| Request for Information Regarding Promoting Access to Mortgage Credit 2026-13834 | Proposed rule | Jul 9 |
| Financial Data Transparency Act Joint Data Standards 2026-12787 · significant | Final rule | Jun 25 |
| Equal Credit Opportunity (Regulation B); Special Purpose Credit Programs; Rescission 2026-12149 | Final rule | Jun 17 |
| Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) 2026-08494 · significant | Final rule | May 1 |
| Equal Credit Opportunity Act (Regulation B) 2026-07804 · significant | Final rule | Apr 22 |
| Equal Credit Opportunity Act (Regulation B) C1-2025-19864 · significant | Proposed rule | Feb 25 |
| Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold 2026-00087 | Final rule | Jan 7 |
| Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold 2026-00085 | Final rule | Jan 7 |
Everything from the Consumer Financial Protection Bureau · Rules on banks, banking · Rules on consumer protection · Rules on credit · Published in November 2024
Read from the Federal Register API, last updated 2026-10-23. The document on federalregister.gov is the official record; dates and dockets can change through later corrections. Free to reuse with credit to SpecStream under CC BY 4.0.